would a judge look kindly at a dca trying for ccj after refusing 27% f&f offer

wish_i_had_a_time_machine

Hi i was wondering what a judge would think of a dca trying for a ccj after refusing a 27% full and final offer when they obviously paid a lot less than that to purchase the debt in the first place.
I have (one of many debts) a £3000 debt which has been sold to a dca
I've been told the cca is enforceable so cannot go down that route.
I have nothing left at the end of each money so cannot set up a payment plan. My parents were going to loan me £800 to try and clear it but the dca refused that and said they would accept £1500.
I cannot afford this so they are now saying because i own my own property (mortgaged to the hilt i might ad) they are looking to go for a ccj then a charging order.
What sort of reaction would i get from a judge after me offering the £800 to clear the debt
Thanks

Tixy

The judge will just look at the facts, which is that you owe the money and they are entitled to recover it. I think you having offered a F&F will not be relevant at all (except to show that you admit you do owe the money).
If they take you to court and if they prove that you owe £3k according to the T&C and CCA, then the judge will rule in their favour.
Thats not to say that you won't be able to ask to pay in installments but the CCJ will be granted for the full amount.

Burlesque_Babe

Who has said the CCA is enforceable? Have you sent the letters?

wish_i_had_a_time_machine

Tixy wrote: »

The judge will just look at the facts, which is that you owe the money and they are entitled to recover it. I think you having offered a F&F will not be relevant at all (except to show that you admit you do owe the money).
If they take you to court and if they prove that you owe £3k according to the T&C and CCA, then the judge will rule in their favour.
Thats not to say that you won't be able to ask to pay in installments but the CCJ will be granted for the full amount.

That maybe true but i owed the original creditor £3000
The dca would of paid peanuts for it so why are they entitled to recover £3000
If i have to pay anyone £3000 in a ccj i would rather pay the original creditor to who i had the money from not some dca that paid peanuts for it

wish_i_had_a_time_machine

Burlesque_Babe wrote: »

Who has said the CCA is enforceable? Have you sent the letters?

It's been looked at by members on here and CAG thanks

Tixy

wish_i_had_a_time_machine wrote: »

That maybe true but i owed the original creditor £3000
The dca would of paid peanuts for it so why are they entitled to recover £3000
If i have to pay anyone £3000 in a ccj i would rather pay the original creditor to who i had the money from not some dca that paid peanuts for it

Thats just how it is unfortunately, they bought the right to collect the debt in full.
I'm sure there has been a court case before where a judge has ruled that the debtor has no right to know how much the DCA paid the original creditor for the debt, so I think your chances of using that as an argument not to pay the full balance are very slim.

wish_i_had_a_time_machine

Tixy wrote: »

Thats just how it is unfortunately, they bought the right to collect the debt in full.
I'm sure there has been a court case before where a judge has ruled that the debtor has no right to know how much the DCA paid the original creditor for the debt, so I think your chances of using that as an argument not to pay the full balance are very slim.

Hi no i wouldn't use it as an argument not to pay as basically i have no argument
I just cannot afford them it's that simple
I just feel personally DCA are parasites that pay peanuts for debts
and make money from you for no good reason in my view
I've no idea why these companies sell these debts for next to nothing when they would of got more from me in the first place